692 Bay Hbr, Freeport, FL 32439 Property Records

Walton County property record for 692 Bay Hbr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,272 sqft · built 2021
Lot Size	0.785 acres (34,215 sqft)
Owner	2 Individual Names on Record
Last Sale	$710,000 (Dec 2023)
Tax Bill	$3,946 (2024)
Deeds & Mortgages	Jan 2021 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`30-1S-19-23010-000-0261`

Property Details

APN / Parcel Number

Primary APN	`30-1S-19-23010-000-0261`
Alternative APN	`1066171`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,272 sqft Living Area
Gross Area	4,297 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2021
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	34,215 sqft (0.785 acres)
Lot Dimensions	17 ft deep x 15.2 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1066171
Street Address	692 BAY HBR
City	FREEPORT
State	FL
Zip	32439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 AMENDED PLAT OF BAY HARBOUR PB 13-13 OR 3310-2545
Legal Range	19W
Legal Township	01S
Legal Section	30
Legal Subdivision	BAY HARBOUR S/D
Legal Lot Number	26
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2068
Census Tract	950502

Owner

Source: Walton County records, as of December 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	692 BAY HBR, FREEPORT, FL 32439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Dec 18, 2023	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 18, 2020	Warranty Deed, Transfer RELI TITLE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Prior Sale	Aug 18, 2020 · Amount on Record
Deed Document Number	0033102545
Deed Book / Page	3310 / 2545
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	692 BAY HBR, FREEPORT, FL 32439
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 ENGELBRECHT RD, DEFUNIAK SPRINGS, FL 32433-9074

Mortgage

Document Number	0031783540
Date	Jan 14, 2021
Book Page	3178/3540
Instrument	20210002063

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 18, 2023
Property Address	692 BAY HBR, FREEPORT, FL 32439
Document Number	0033102545
Book / Page	3310 / 2545
Map Reference	MB 13 PG 13&13A-13D
Instrument Date	Dec 13, 2023
Instrument	20230044765
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,970.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	692 BAY HBR, FREEPORT, FL 32439

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	692 BAY HARBOUR, FREEPORT, FL 32439

Mortgage

Document Number	0033102546
Date	Dec 18, 2023
Instrument	3310/2546

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 18, 2020
Property Address	692 BAY HARBOUR, FREEPORT, FL 32439
Document Number	0031552728
Book / Page	003155 / 002728
Instrument Date	Jul 29, 2020
Instrument	31028
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	RELI TITLE

Transaction

Amount	Amount Recorded
Tax	$455.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 ENGELBRECHT RD DEFUNIAK SPRINGS FL 324339074, DEFUNIAK SPRINGS, FL 32433-9074

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$525,417 (-1.72%) Land $100,000 Building $425,417	$525,417 (-1.72%) Land $100,000 Building $425,417
2024	$3,946.00 (+10.69%)
2023	$3,565.00 (+0.59%) Homeowner's exemption	$534,604 (+9.85%) Land $75,366 Building $459,238	$534,604 (+9.85%) Land $75,366 Building $459,238
2022	$3,544.00 Homeowner's exemption	$486,675 Land $83,656 Building $403,019	$486,675 Land $83,656 Building $403,019

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 296 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	296 in force
Nearby Flood Claims	56 (1989–2020)
Claims Outside the SFHA	8 of 56
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 12 claims Hurricane Frances, Sep 2004 · 18 claims Hurricane Opal, Oct 1995 · 13 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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